Interesting point about RSUs. So you pay tax on getting them, it goes down and you can’t even write off against the tax you paid for them. I just considered RSUs as no risk investment because of 0 cost basis so I was never inclined to sell until I needed the money. I know now this is stupid, cost basis should not matter except perhaps for tax reasons if you think stock is going down. Makes more sense to sell the RSUs right away. ESPP there is a tax benefit to hold them so most of the gains are long term instead of short term. Stock went up considerably over time. Fortunately, I rarely sold any because doing taxes on either RSUs and ESPP is incredibly difficult.

So basically I did well with my RSUs/ESPP because I was lucky, stupid, and lazy. The free random share I got from Robinhood is doing better than anything I picked on my own. Perhaps I shouldn’t bother and just have an index fund.